CN116362753A - Transaction risk processing method, device and storage medium - Google Patents

Abstract

The application discloses a transaction risk processing method, a transaction risk processing device and a storage medium. Relates to the field of financial science and technology, and the method comprises the following steps: acquiring a session record before business transaction is carried out on the first transaction account and the second transaction account; processing the session record by adopting a natural language processing technology to obtain N transaction elements in the business transaction; under the condition that the index values of the N transaction elements are in the corresponding threshold value range, determining the current transaction behavior of the first transaction account based on the session record; and obtaining a risk assessment result of the business transaction according to the target transaction behavior of the first transaction account, wherein the target transaction behavior is determined based on the historical transaction behavior of the first transaction account in a preset historical period. By the method and the device, the problem that the prior risk control for chat transaction service is lacked in the related technology is solved.

Description

Transaction risk processing method, device and storage medium

Technical Field

The present application relates to the field of financial science and technology, and in particular, to a transaction risk processing method, device and storage medium.

Background

The financial market transaction has the characteristics of large transaction amount and high transaction frequency, and transaction pre-event risk control is very important. At present, under certain transaction situations, for example, when a financial market transactor makes chat type transaction ordering through a third party transaction terminal, because formatted ordering element information cannot be formed, risk control cannot be performed on prior transaction service, risk control before transaction ordering is lost, and management requirements of financial market transaction risk control are not met.

Aiming at the problem that the prior risk control for chat type transaction service is lack in the related technology, the prior risk control for transaction ordering is lack, and no effective solution is proposed at present.

Disclosure of Invention

The main objective of the present application is to provide a transaction risk processing method, device and storage medium, so as to solve the problem that in the related art, prior risk control for chat type transaction service is lacking, and prior risk control for transaction order is lacking.

To achieve the above object, according to one aspect of the present application, there is provided a transaction risk processing method. The method comprises the following steps: acquiring a session record before business transaction is carried out on the first transaction account and the second transaction account; processing the session record by adopting a natural language processing technology to obtain N transaction elements in the business transaction, wherein N is an integer greater than or equal to 1; determining a current transaction behavior of the first transaction account based on the session record under the condition that index values of the N transaction elements are in a corresponding threshold range; and obtaining a risk assessment result of the business transaction according to the target transaction behavior of the first transaction account, wherein the target transaction behavior is determined based on the historical transaction behavior of the first transaction account in a preset historical period.

To achieve the above object, according to another aspect of the present application, there is provided a transaction risk processing apparatus. The device comprises: the first acquisition module is used for acquiring a session record before the business transaction is carried out by the first transaction account and the second transaction account; the processing module is used for processing the session record by adopting a natural language processing technology to obtain N transaction elements in the business transaction, wherein N is an integer greater than or equal to 1; the determining module is used for determining the current transaction behavior of the first transaction account based on the session record under the condition that the index values of the N transaction elements are in the corresponding threshold value range; the second obtaining module is configured to obtain a risk assessment result of the business transaction according to the target transaction behavior of the first transaction account, where the target transaction behavior is determined based on a historical transaction behavior of the first transaction account in a preset historical period.

To achieve the above object, according to another aspect of the present application, there is provided a nonvolatile storage medium. The non-volatile storage medium stores a plurality of instructions adapted to be loaded by a processor and to perform any of the transaction risk processing methods described above.

Through the application, the following steps are adopted: acquiring a session record before business transaction is carried out on the first transaction account and the second transaction account; processing the session record by adopting a natural language processing technology to obtain N transaction elements in the business transaction, wherein N is an integer greater than or equal to 1; determining a current transaction behavior of the first transaction account based on the session record under the condition that index values of the N transaction elements are in a corresponding threshold range; according to the target transaction behavior of the first transaction account, the current transaction behavior is used for obtaining the risk assessment result of the business transaction, wherein the target transaction behavior is determined based on the historical transaction behavior of the first transaction account in a preset historical period, the purpose of accurately carrying out business transaction risk assessment through the transaction element and the transaction behavior according to the transaction element which are extracted in a standardized manner in a transaction session record is achieved, and the problems that chat type transaction service is lack of prior risk control and risk control before transaction ordering is absent in the related art are solved. Thereby achieving the effect of improving the safety of chat-type transaction.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application, illustrate and explain the application and are not to be construed as limiting the application. In the drawings:

FIG. 1 is a flow chart of a transaction risk processing method provided in accordance with an embodiment of the present application; and

FIG. 2 is a flow chart of an alternative transaction risk processing method provided in accordance with an embodiment of the present application;

FIG. 3 is a flow chart of another alternative transaction risk processing method provided in accordance with an embodiment of the present application;

FIG. 4 is a schematic diagram of a transaction risk processing device provided in accordance with an embodiment of the present application;

fig. 5 is a schematic diagram of an electronic device provided according to an embodiment of the present application.

Detailed Description

It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other. The present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.

In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate in order to describe the embodiments of the present application described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be noted that, related information (including, but not limited to, user equipment information, user personal information, etc.) and data (including, but not limited to, data for presentation, analyzed data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party. For example, an interface is provided between the system and the relevant user or institution, before acquiring the relevant information, the system needs to send an acquisition request to the user or institution through the interface, and acquire the relevant information after receiving the consent information fed back by the user or institution.

The invention will be described with reference to preferred implementation steps, and fig. 1 is a flowchart of a transaction risk processing method according to an embodiment of the present application, as shown in fig. 1, and the method includes the following steps:

step S101, a session record before business transaction is carried out by the first transaction account and the second transaction account is obtained.

Optionally, the first transaction account is an account of a transactor, and the second transaction account is an account of a transactor. The corresponding session record is in the form as follows.

Trader A EUR 5

Counterparty B06/08

Trader A08

Transaction opponent B TO COMFIRM WE SELL 5MIO EUR AG USD AT 1.3608

VAL 17JUL2014

USD TO XXXXXXXXXX

THANKS AND BYE

Step S102, processing the session record by adopting a natural language processing technology to obtain N transaction elements in the business transaction, wherein N is an integer greater than or equal to 1.

Through the above way, the natural language processing technology (namely NLP technology) is adopted to extract the transaction elements from the session record, so that N transaction elements are obtained.

Optionally, the N transaction elements include at least a contracted transaction price, an accumulated transaction number, a single transaction amount, and may further include a currency pair, a transaction direction, a transaction period, a total transaction amount, a transaction price, transaction opponent information, a market price (equivalent to market quotation), price-polling information, and the like.

Step S103, when the index values of the N transaction elements are within the corresponding threshold value range, determining the current transaction behavior of the first transaction account based on the session record.

Through the above manner, the threshold value judgment is performed on the index values of the N transaction elements, and if the index values of the N transaction elements are all within the corresponding threshold value ranges, it is indicated that the abnormal behavior of the transactor (i.e., the first transaction account number) is not found for the session record before the business transaction, and the subsequent risk identification can be continued.

In an optional embodiment, when the N transaction elements include at least a contracted transaction price, an accumulated transaction number, and a single transaction amount, determining, based on the session record, a current transaction behavior of the first transaction account number when the index values of the N transaction elements are within a corresponding threshold range includes: and determining the current transaction behavior of the first transaction account based on the session record under the condition that the deviation degree of the contracted transaction price and the market price is smaller than a preset deviation degree threshold value, the accumulated transaction amount is smaller than a preset transaction amount and the single transaction amount is smaller than a preset transaction amount.

Alternatively, abnormal behaviour of the trader is a major cause of risk of the trade when doing business. Based on the above, the agreed transaction price, the accumulated transaction number and the single transaction amount are selected as transaction elements to perform preliminary judgment of abnormal transaction behaviors of the transactor, whether the three transaction elements are in the corresponding threshold ranges is judged in sequence, and if the three transaction elements are in the corresponding threshold ranges, the transactor is determined to have no abnormal transaction behaviors preliminarily. By the method, the risk assessment is preliminarily carried out on the transaction behaviors (such as the preset transaction price, the accumulated transaction amount and the single transaction amount) of the transactor in the current round of business transaction, so that the purpose of comprehensively carrying out business transaction risk assessment is achieved.

In an alternative embodiment, the method further comprises: and determining that the risk assessment result of the business transaction is that the business transaction risk exists under the condition that the deviation degree of the agreed transaction price and the market price is larger than or equal to a preset deviation degree threshold value, or the accumulated transaction number is larger than or equal to a preset transaction number, or the single transaction amount is larger than or equal to a preset transaction amount.

Optionally, when any one of the three transaction elements is not within the corresponding threshold value range, it indicates that the transactor may have abnormal transaction behaviors, and at this time, the risk assessment result of the business transaction is directly determined to be that the transaction risk exists, and a corresponding alarm prompt is sent out. And subsequent judgment is not needed, so that the business transaction risk assessment judgment flow is simplified.

Step S104, obtaining a risk assessment result of the business transaction according to the target transaction behavior of the first transaction account and the current transaction behavior.

Optionally, the target transaction behavior may be determined based on a historical transaction behavior of the first transaction account within a preset historical period, and may also be based on a related transaction behavior made by a transactant (i.e., the first transaction account) occurring before the first transaction account.

In an optional embodiment, before the target transaction behavior according to the first transaction account number, the current transaction behavior, and the risk assessment result of the service transaction are obtained, the method further includes: determining a transaction behavior portrait of the first transaction account based on the historical transaction behavior of the first transaction account in the preset historical period; and determining the target transaction behavior of the first transaction account number according to the transaction behavior portrait.

Optionally, the behavior representation of the transactor is performed based on the historical transaction behavior of the transactor, the obtained transaction behavior representation is integrated with the integrated transaction behavior characteristics of the transactor in the past period, the transaction behavior characteristics (namely, the target transaction behavior) corresponding to the current transaction behavior are extracted from the transaction behavior representation of the transactor, and whether the business transaction is at risk is determined through the integrated comparison and judgment of the target transaction behavior and the current transaction behavior.

Optionally, the determining, based on the historical transaction behavior of the first transaction account in the preset historical period, a transaction behavior portrait of the first transaction account includes: determining a historical transaction element of the first transaction account in the preset historical period based on the historical transaction behavior; and determining the transaction behavior portrait according to the historical transaction elements, wherein the historical transaction behavior is determined based on a historical session record corresponding to the completed historical transaction within the preset historical period of time by the first transaction account number.

Optionally, the historical transaction behavior at least includes: whether multiparty price inquiry is carried out before transaction, whether the transaction is carried out with the optimal price or whether the transaction is carried out with the same transaction account number for a plurality of times, wherein the optimal price is the transaction price corresponding to the maximum profit.

As an alternative embodiment, fig. 2 is a flowchart of an alternative transaction risk processing method according to an embodiment of the present invention, as shown in fig. 2, the method including: acquiring a history session record corresponding to the completed history transaction within the preset history period of time by the first transaction account number (i.e. the transactor); analyzing and extracting historical transaction information included in the historical session record by adopting an NLP technology; determining historical transaction behaviors of a first transaction account based on the historical transaction information; and according to the historical transaction behaviors, a machine learning method is adopted to establish transaction behavior portraits between the first transaction account and other transaction accounts (namely transaction opponents).

In an optional embodiment, the obtaining, according to the target transaction behavior of the first transaction account, the risk assessment result of the service transaction according to the current transaction behavior includes: determining a first similarity between the target transaction behavior and the current transaction behavior; and determining the risk assessment result of the business transaction according to the first similarity.

It should be noted that, there is generally a certain regularity in the trade behavior of the trader, so it can be determined whether there is a risk in the current business transaction by deviation between the current trade behavior of the trader and the consistent trade behavior (i.e., the target trade behavior described above). Through the mode, the target transaction behavior and the current transaction behavior are subjected to similarity comparison, and when the similarity between the target transaction behavior and the current transaction behavior is large, the fact that the current transaction behavior of a transactor accords with consistent wind is indicated, and no abnormal situation exists.

In an optional embodiment, the determining the risk assessment result of the business transaction according to the first similarity includes: under the condition that the first similarity is larger than a preset first similarity threshold value, determining that the risk assessment result is that the business transaction does not have transaction risk; and under the condition that the first similarity is smaller than or equal to the first similarity threshold, determining that the risk assessment result is that the business transaction has transaction risk.

By the method, the target transaction behavior and the current transaction behavior are subjected to similarity comparison, and under the condition that the similarity between the target transaction behavior and the current transaction behavior is small, the fact that the current transaction behavior of a transactor deviates greatly from the current transaction behavior, abnormal behaviors exist, and transaction risks possibly exist is indicated.

In an optional embodiment, in a case that the risk assessment result is that the business transaction has a transaction risk, the method further includes: and under the condition that the first similarity is smaller than or equal to the first similarity threshold, acquiring a first absolute difference value between the first similarity and the first similarity threshold, and determining the risk level of the business transaction according to the first absolute difference value.

Optionally, under the condition that the transaction risk exists in the business transaction, the possible risk level of the business transaction is further determined according to the deviation degree between the current transaction behavior and the target transaction behavior (the deviation degree is represented by a first absolute difference value between the first similarity and a preset first similarity threshold), and the greater the deviation degree between the current transaction behavior and the target transaction behavior is, the higher the risk level of the business transaction is, so that the purpose of providing a more targeted risk prompt for a user is achieved.

Through the steps S101 to S104, the purpose of accurately performing business transaction risk assessment through transaction elements and transaction behaviors according to the transaction elements extracted in the transaction session record can be achieved, and the problem that prior risk control on chat type transaction service is lacking in the related technology and prior risk control is lacking in the transaction. Thereby achieving the effect of improving the safety of chat-type transaction.

Based on the above embodiment and the optional embodiment, the present invention proposes an optional implementation, and fig. 3 is a flowchart of an optional transaction risk processing method according to an embodiment of the present invention, as shown in fig. 3, where the method includes:

step S1, a transaction person (corresponding to a first transaction account) adds a transaction through a chat tool;

step S2, the NLP technology analyzes the session record and obtains formatted transaction elements;

step S3, judging each transaction element through a preset financial market standard pre-risk control model, executing step S4 under the condition that each transaction element is in a corresponding preset threshold range, otherwise executing step S8;

step S4, determining that the risk control is passed, and further obtaining a historical transaction phase of the trader in a preset period, where the historical transaction behavior may include, but is not limited to: whether the price information is queried by multiple parties before the transaction, whether the information is exchanged with the optimal price, and whether the information is exchanged with the same transaction opponent for multiple times;

s5, establishing a transaction behavior portrait of a transactor according to the historical transaction behaviors, and judging whether the current transaction behaviors have larger differences from the previous stage according to the transaction behavior portrait;

step S6, if the current transaction behavior and the earlier stage have larger differences, determining that the transaction risk exists in the business transaction, and sending out transaction risk prompt information and recording;

step S7, if the current transaction behavior and the earlier stage do not have a large difference, determining that the transaction risk does not exist in the business transaction, storing relevant information (such as a session record, a transaction element, the current transaction behavior and the like) corresponding to the current transaction behavior into a pre-constructed database, and completing the transaction order;

step S8, if any transaction element is not in the corresponding preset threshold range, indicating that the current business transaction is at risk, sending a risk prompt and rejecting transaction behaviors.

It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.

The embodiment of the application also provides a transaction risk processing device, and the transaction risk processing device can be used for executing the transaction risk processing method provided by the embodiment of the application. The following describes a transaction risk processing device provided in an embodiment of the present application.

Fig. 4 is a schematic diagram of a transaction risk processing device according to an embodiment of the present application. As shown in fig. 4, the apparatus includes: a first acquisition module 400, a processing module 402, a determination module 404, a second acquisition module 406, wherein,

the first obtaining module 400 is configured to obtain a session record before the first transaction account and the second transaction account perform the service transaction;

the processing module 402 is connected to the first obtaining module 400, and is configured to process the session record by using a natural language processing technology to obtain N transaction elements in the service transaction, where N is an integer greater than or equal to 1;

the determining module 404, coupled to the processing module 402, is configured to determine, based on the session record, a current transaction behavior of the first transaction account number when the index values of the N transaction elements are within a corresponding threshold range;

the second obtaining module 406 is connected to the determining module 404, and is configured to obtain a risk assessment result of the business transaction according to the target transaction behavior of the first transaction account, where the target transaction behavior is determined based on the historical transaction behavior of the first transaction account in a preset historical period.

The transaction risk processing device provided by the embodiment of the present application is configured to obtain a session record before a business transaction is performed by a first transaction account and a second transaction account by setting the first obtaining module 400; the processing module 402 is connected to the first obtaining module 400, and is configured to process the session record by using a natural language processing technology to obtain N transaction elements in the service transaction, where N is an integer greater than or equal to 1; the determining module 404, coupled to the processing module 402, is configured to determine, based on the session record, a current transaction behavior of the first transaction account number when the index values of the N transaction elements are within a corresponding threshold range; the second obtaining module 406 is connected to the determining module 404, and is configured to obtain a risk assessment result of the business transaction according to the target transaction behavior of the first transaction account, where the target transaction behavior is determined based on the historical transaction behavior of the first transaction account in a preset historical period, so as to achieve the purpose of accurately performing business transaction risk assessment according to the transaction elements and the transaction behavior, solve the problem that prior risk control is not performed on chat-type transaction service in the related art, and further achieve the effect of improving chat-type transaction security.

It should be noted that each of the above modules may be implemented by software or hardware, for example, in the latter case, it may be implemented by: the above modules may be located in the same processor; alternatively, the various modules described above may be located in different processors in any combination.

Here, the first obtaining module 400, the processing module 402, the determining module 404, and the second obtaining module 406 correspond to steps S101 to S104 in the embodiment, and the modules are the same as the examples and application scenarios implemented by the corresponding steps, but are not limited to the disclosure of the embodiment. It should be noted that the above modules may be run in a computer terminal as part of the apparatus.

It should be noted that, the optional or preferred implementation manner of this embodiment may be referred to the related description in the embodiment, and will not be repeated herein.

The transaction risk processing device comprises a processor and a memory, wherein the units and the like are stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.

The processor includes a kernel, and the kernel fetches the corresponding program unit from the memory. The kernel may be provided with one or more by adjusting the kernel parameters (object of the present invention).

The memory may include volatile memory, random Access Memory (RAM), and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), among other forms in computer readable media, the memory including at least one memory chip.

The embodiment of the invention provides a nonvolatile storage medium, wherein a program is stored on the nonvolatile storage medium, and the program realizes the transaction risk processing method when being executed by a processor.

The embodiment of the invention provides a processor, which is used for running a program, wherein the transaction risk processing method is executed when the program runs.

As shown in fig. 5, an embodiment of the present invention provides an electronic device, where the electronic device 10 includes a processor, a memory, and a program stored on the memory and executable on the processor, and the processor implements the following steps when executing the program: acquiring a session record before business transaction is carried out on the first transaction account and the second transaction account; processing the session record by adopting a natural language processing technology to obtain N transaction elements in the business transaction, wherein N is an integer greater than or equal to 1; determining a current transaction behavior of the first transaction account based on the session record under the condition that index values of the N transaction elements are in a corresponding threshold range; and obtaining a risk assessment result of the business transaction according to the target transaction behavior of the first transaction account, wherein the target transaction behavior is determined based on the historical transaction behavior of the first transaction account in a preset historical period. The device herein may be a server, PC, PAD, cell phone, etc.

The present application also provides a computer program product adapted to perform, when executed on a data processing device, a program initialized with the method steps of: acquiring a session record before business transaction is carried out on the first transaction account and the second transaction account; processing the session record by adopting a natural language processing technology to obtain N transaction elements in the business transaction, wherein N is an integer greater than or equal to 1; determining a current transaction behavior of the first transaction account based on the session record under the condition that index values of the N transaction elements are in a corresponding threshold range; and obtaining a risk assessment result of the business transaction according to the target transaction behavior of the first transaction account, wherein the target transaction behavior is determined based on the historical transaction behavior of the first transaction account in a preset historical period.

Optionally, the above computer program product is further adapted to execute a program initialized with the method steps of: determining a transaction behavior portrait of the first transaction account based on the historical transaction behavior of the first transaction account in the preset historical period; and determining the target transaction behavior of the first transaction account number according to the transaction behavior portrait.

Optionally, the above computer program product is further adapted to execute a program initialized with the method steps of: determining a first similarity between the target transaction behavior and the current transaction behavior; and determining the risk assessment result of the business transaction according to the first similarity.

Optionally, the above computer program product is further adapted to execute a program initialized with the method steps of: under the condition that the first similarity is larger than a preset first similarity threshold value, determining that the risk assessment result is that the business transaction does not have transaction risk; and under the condition that the first similarity is smaller than or equal to the first similarity threshold, determining that the risk assessment result is that the business transaction has transaction risk.

Optionally, the above computer program product is further adapted to execute a program initialized with the method steps of: and acquiring a first absolute difference value between the first similarity and the first similarity threshold value when the first similarity is smaller than or equal to the first similarity threshold value, and determining the risk level of the business transaction according to the first absolute difference value.

Optionally, the above computer program product is further adapted to execute a program initialized with the method steps of: and determining the current transaction behavior of the first transaction account based on the session record under the condition that the deviation degree of the contracted transaction price and the market price is smaller than a preset deviation degree threshold value, the accumulated transaction amount is smaller than a preset transaction amount and the single transaction amount is smaller than a preset transaction amount.

Optionally, the above computer program product is further adapted to execute a program initialized with the method steps of: and determining that the risk assessment result is that the business transaction has transaction risk under the condition that the deviation degree of the agreed transaction price and the market price is larger than or equal to a preset deviation degree threshold value, or the accumulated transaction number is larger than or equal to a preset transaction number, or the single transaction amount is larger than or equal to a preset transaction amount.

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, etc., such as Read Only Memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises an element.

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.

Claims (10)

1. A transaction risk processing method, comprising:

acquiring a session record before business transaction is carried out on the first transaction account and the second transaction account;

processing the session record by adopting a natural language processing technology to obtain N transaction elements in the business transaction, wherein N is an integer greater than or equal to 1;

determining the current transaction behavior of the first transaction account based on the session record under the condition that the index values of the N transaction elements are in the corresponding threshold range;

and obtaining a risk assessment result of the business transaction according to the target transaction behavior of the first transaction account, wherein the target transaction behavior is determined based on the historical transaction behavior of the first transaction account in a preset historical period.

2. The method of claim 1, wherein prior to the obtaining the risk assessment result for the business transaction from the current transaction activity based on the target transaction activity for the first transaction account, the method further comprises:

determining a transaction behavior portrait of the first transaction account based on the historical transaction behavior of the first transaction account in the preset historical period;

and determining the target transaction behavior of the first transaction account according to the transaction behavior portrait.

3. The method according to claim 1, wherein the obtaining, according to the target transaction behavior of the first transaction account, the risk assessment result of the business transaction according to the current transaction behavior includes:

determining a first similarity between the target transaction behavior and the current transaction behavior;

and determining the risk assessment result of the business transaction according to the first similarity.

4. A method according to claim 3, wherein said determining said risk assessment result for said business transaction based on said first similarity comprises:

under the condition that the first similarity is larger than a preset first similarity threshold, determining that the risk assessment result is that the business transaction does not have transaction risk;

and under the condition that the first similarity is smaller than or equal to the first similarity threshold, determining that the risk assessment result is that the business transaction has transaction risk.

5. The method of claim 4, wherein in the event that the risk assessment results in a transaction risk for the business transaction, the method further comprises:

and under the condition that the first similarity is smaller than or equal to the first similarity threshold, acquiring a first absolute difference value between the first similarity and the first similarity threshold, and determining the risk level of the business transaction according to the first absolute difference value.

6. The method according to any one of claims 1 to 5, wherein, in the case that the N transaction elements include at least a contracted transaction price, a cumulative transaction count, and a single transaction amount, the determining, based on the session record, a current transaction behavior of the first transaction account number in the case that the index values of the N transaction elements are within a corresponding threshold range includes:

and determining the current transaction behavior of the first transaction account based on the session record under the condition that the deviation degree of the contracted transaction price and the market price is smaller than a preset deviation degree threshold value, the accumulated transaction amount is smaller than a preset transaction amount, and the single transaction amount is smaller than a preset transaction amount.

7. The method of claim 6, wherein the method further comprises:

and determining that the risk assessment result is that the business transaction has transaction risk under the condition that the deviation degree of the contracted transaction price and the market price is larger than or equal to a preset deviation degree threshold value, or the accumulated transaction number is larger than or equal to a preset transaction number, or the single transaction amount is larger than or equal to a preset transaction amount.

8. The method of claim 2, wherein the historical transaction behavior comprises at least: whether multiparty price inquiry is carried out before transaction, whether the transaction is carried out with the optimal price or not, and whether the transaction is carried out with the same transaction account for multiple times or not, wherein the optimal price is the transaction price corresponding to the maximum profit.

9. A transaction risk processing device, comprising:

the first acquisition module is used for acquiring a session record before the business transaction is carried out by the first transaction account and the second transaction account;

the processing module is used for processing the session record by adopting a natural language processing technology to obtain N transaction elements in the business transaction, wherein N is an integer greater than or equal to 1;

the determining module is used for determining the current transaction behavior of the first transaction account based on the session record under the condition that the index values of the N transaction elements are in the corresponding threshold range;

the second obtaining module is configured to obtain a risk assessment result of the business transaction according to a target transaction behavior of the first transaction account, where the target transaction behavior is determined based on a historical transaction behavior of the first transaction account in a preset historical period.

10. A non-volatile storage medium storing a plurality of instructions adapted to be loaded by a processor and to perform the transaction risk processing method of any of claims 1 to 8.

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